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Tips to help your family with life insurance claims

Tuesday, September 07, 2021

You’ve done your thing and taken out an insurance policy to financially help your family in case anything happens to you. Now what? Before you forget all about it, you need to make sure that your family and beneficiaries know what to do if they ever need to claim. Here are a few helpful tips.

1. Make sure your family knows about your policies and what they cover

So many people pass away and leave all the paperwork to their family and friends to sort through. Instead of doing this, tell your family and any beneficiaries about the policies you have. These could include life cover, funeral insurance, disability insurance, dread disease cover, group benefits with an employer, pension funds and retirement annuities, investments or medical cover.

Once they know what you have, make sure that they know what each policy covers. It could be death, disability or even critical illness. This is important, as it will help them understand when they can claim. If you pass away, your family can claim on a life or funeral policy. If you are ever seriously sick or even unconscious and you cannot claim on your disability or dread disease policy, your family will have to do it on your behalf. That’s why they need to have all the correct information.

Tip: Tell your family about any exclusions or waiting periods on your policy. These can be found on your policy schedule.

2. Tell your family and beneficiaries where your policies are

Your policy documents are very important as they contain exactly what you’re covered for, who the beneficiaries are and where to claim. If you have printouts of them or you’ve got them saved in the cloud, your family needs to know. If they’re hidden in your desk drawer, make sure they know that too. If your policies are kept in a digital file, give someone access to them. You never know if or when something might happen to you, so it’s best to be prepared.

Tip: Put together a claims instruction sheet for every policy

This is a handy piece of paper as you can write down the policy number, contact details for the Dialdirect claims department and all other important info on one sheet. This will be super helpful during a time when your family will already be dealing with so much.

3. Explain every step of the claims process to your family

One of the most important things when claiming is to make sure that the right person is doing the claiming. This will save a whole lot of time. Here’s a list of who should be claiming and contacting our claims department:

  1. Life policy: The beneficiaries named in the policy
  1. Funeral policy: The beneficiary named if the principal member passes on, or the principal member if an additional member passes.
  1. Disability and dread disease policies: The life assured or a family member if the life assured is unable to.

The Dialdirect claims team is here to help your family with any claims they might have. To help speed up the process, you can have some things ready. These include the policy number and original or certified copies of the life assured’s ID. If we’ll be paying a sum out to a beneficiary, we will need their bank account details and ID.

Some policies will require other types of documents in order to claim. These could be doctors’ and specialists’ reports. To help avoid any unnecessary running around, your family should call us first to find out what documents we need. We’re all about making the claim as simple as possible, so we try to keep the paperwork to a minimum.

4. Explain the reasons for your policies and how you’d like the money to be spent

Everyone has a different reason for taking out a policy. So whether you want your life policy to pay off your house or cover your kid’s education, you need to let your family know. A great idea is to make a list of how you’d like your family to use the pay-out. If you have a funeral policy, you can also tell them how you’d like the money to be spent so that they don’t spend too much on your service.

5. If anything changes on your policies, make sure your family knows about it

There are many different things that can change on your policies. You might increase your cover. You could add or remove a beneficiary. You might even take out extra cover like dread disease or disability insurance. Whatever you do, tell your family about the updates so that they know who can claim and when. Another good idea is to get your family together once a year to go through our helpful tips. That way, there are no surprises and everyone knows exactly what to do.


Now that you know what to do to help your family and beneficiaries, you can do your thing and relax, knowing that everything is taken care of.